Best Lacey, WA Car Insurance in 2024
Car insurance in Lacey, WA averages $247 a month. Lacey, Washington car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Lacey car insurance rates, compare quotes from the top car insurance companies in Lacey, WA.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Lacey, WA are $2,969/year
- The cheapest car insurance company in Lacey for teen drivers is Nationwide
- Average car insurance rates in Lacey, WA after a DUI are $3,461/year
If you need to buy Lacey, Washington car insurance, the options can be confusing. Everything you need to know about car insurance in Lacey, WA is right here.
You’ll find Lacey car insurance rates, the cheapest Lacey, WA car insurance companies, and information on Washington car insurance laws. You can also compare Lacey, Washington car insurance rates to Spokane Valley car insurance rates, Kent car insurance rates, and Renton car insurance rates.
Ready to find affordable Lacey, WA car insurance today? Enter your ZIP code for fast, free Lacey car insurance quotes.
Cheapest Lacey, WA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Lacey, WA car insurance rates? Every Lacey, Washington car insurance company weighs these factors differently, so check out the comparison rates.
Annual Car Insurance Rates by Age, Gender, and Marital Status in Lacey, Washington
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,019 | $1,994 | $1,869 | $1,959 | $7,159 | $8,287 | $2,140 | $2,217 |
| American Family | $1,941 | $1,941 | $1,774 | $1,774 | $7,394 | $10,079 | $1,941 | $2,593 |
| Farmers | $1,979 | $2,031 | $1,812 | $2,053 | $4,543 | $4,882 | $2,495 | $2,592 |
| Geico | $1,706 | $1,737 | $1,600 | $1,600 | $3,712 | $4,847 | $2,885 | $2,097 |
| Liberty Mutual | $1,793 | $1,964 | $1,610 | $1,894 | $10,088 | $11,088 | $1,913 | $2,076 |
| Nationwide | $1,379 | $1,409 | $1,285 | $1,336 | $3,747 | $4,542 | $1,649 | $1,775 |
| Progressive | $1,510 | $1,406 | $1,362 | $1,378 | $7,656 | $8,569 | $1,801 | $1,787 |
| State Farm | $1,603 | $1,603 | $1,443 | $1,443 | $4,681 | $5,923 | $1,825 | $2,096 |
| USAA | $1,150 | $1,133 | $1,112 | $1,110 | $5,033 | $5,934 | $1,453 | $1,589 |
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Minimum Car Insurance in Lacey, WA
Every driver must carry the minimum car insurance required by the state in Lacey, WA. Take a look at the Washington car insurance requirements.
Minimum Required Car Insurance Coverage in Lacey, Washington
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
Cheapest Lacey, WA Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Lacey, WA. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Lacey from top companies for good, fair, and poor credit.
Annual Car Insurance Rates by Credit Score in Lacey, Washington
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,284 | $3,275 | $2,808 |
| American Family | $4,341 | $3,547 | $3,151 |
| Farmers | $3,406 | $2,583 | $2,406 |
| Geico | $3,003 | $2,403 | $2,163 |
| Liberty Mutual | $5,790 | $3,570 | $2,799 |
| Nationwide | $2,547 | $2,001 | $1,872 |
| Progressive | $3,506 | $3,130 | $2,915 |
| State Farm | $3,747 | $2,244 | $1,741 |
| USAA | $2,918 | $2,140 | $1,884 |
Cheapest Lacey, WA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Lacey, WA to rates for a clean record with top companies.
Annual Lacey, Washington Car Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,905 | $3,635 | $4,031 | $3,251 |
| American Family | $2,949 | $3,779 | $4,374 | $3,616 |
| Farmers | $2,316 | $2,885 | $3,113 | $2,879 |
| Geico | $1,949 | $2,490 | $3,704 | $1,949 |
| Liberty Mutual | $3,455 | $4,362 | $4,440 | $3,957 |
| Nationwide | $1,669 | $2,251 | $2,819 | $1,822 |
| Progressive | $2,578 | $4,040 | $3,006 | $3,110 |
| State Farm | $2,340 | $2,815 | $2,577 | $2,577 |
| USAA | $1,698 | $2,464 | $3,085 | $2,008 |
Cheapest Lacey, WA Car Insurance for Teen Drivers
Teen car insurance in Lacey, WA can be expensive. Take a look at rates from the top car insurance companies in Lacey for teenagers.
Annual Car Insurance Rates for Teen Drivers in Lacey, Washington
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,159 | $8,287 |
| American Family | $7,394 | $10,079 |
| Farmers | $4,543 | $4,882 |
| Geico | $3,712 | $4,847 |
| Liberty Mutual | $10,088 | $11,088 |
| Nationwide | $3,747 | $4,542 |
| Progressive | $7,656 | $8,569 |
| State Farm | $4,681 | $5,923 |
| USAA | $5,033 | $5,934 |
Cheapest Lacey, WA Car Insurance for Seniors
Take a look at Lacey, WA rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
Annual Car Insurance Rates for Senior Drivers in Lacey, Washington
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,869 | $1,959 |
| American Family | $1,774 | $1,774 |
| Farmers | $1,812 | $2,053 |
| Geico | $1,600 | $1,600 |
| Liberty Mutual | $1,610 | $1,894 |
| Nationwide | $1,285 | $1,336 |
| Progressive | $1,362 | $1,378 |
| State Farm | $1,443 | $1,443 |
| USAA | $1,112 | $1,110 |
Cheapest Lacey, WA Car Insurance Rates After a DUI
A DUI in Lacey, WA increases car insurance rates. Compare Lacey, Washington car insurance after a DUI by the company to find the cheapest option.
Annual Car Insurance Rates After a DUI in Lacey, Washington
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,031 |
| American Family | $4,374 |
| Farmers | $3,113 |
| Geico | $3,704 |
| Liberty Mutual | $4,440 |
| Nationwide | $2,819 |
| Progressive | $3,006 |
| State Farm | $2,577 |
| USAA | $3,085 |
Read more: What are the DUI insurance laws in Washington?
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Cheapest Lacey, WA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Lacey, WA by commute? Take a look at a comparison of the top companies by commute length.
Annual Car Insurance Rates by Commute Length in Lacey, Washington
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,456 | $3,456 |
| American Family | $3,605 | $3,754 |
| Farmers | $2,799 | $2,799 |
| Geico | $2,491 | $2,555 |
| Liberty Mutual | $4,053 | $4,053 |
| Nationwide | $2,140 | $2,140 |
| Progressive | $3,184 | $3,184 |
| State Farm | $2,505 | $2,649 |
| USAA | $2,291 | $2,337 |
The Best Cheap Car Insurance Companies in Lacey, WA
Take a look at a side-by-side comparison of the top car insurance companies in Lacey, WA to find the best option for your needs.
Average Annual Car Insurance Rates by Company in Lacey, Washington
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,456 |
| American Family | $3,679 |
| Farmers | $2,799 |
| Geico | $2,523 |
| Liberty Mutual | $4,053 |
| Nationwide | $2,140 |
| Progressive | $3,184 |
| State Farm | $2,577 |
| USAA | $2,314 |
Category Winners: Cheapest Car Insurance in Lacey, Washington
Find the cheapest car insurance companies in Lacey, WA for each category right here.
Best Annual Car Insurance Rates by Company in Lacey, Washington
| Category | Insurance Company |
|---|---|
| Teenagers | Nationwide |
| Seniors | USAA |
| Clean Record | Nationwide |
| With 1 Accident | Nationwide |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Nationwide |
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Cheapest Lacey, WA Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Lacey car insurance rates. Find the cheapest Lacey, WA car insurance rates by coverage level.
Annual Car Insurance Rates by Coverage Level in Lacey, Washington
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,252 | $3,444 | $3,670 |
| American Family | $3,472 | $3,674 | $3,891 |
| Farmers | $2,603 | $2,801 | $2,992 |
| Geico | $2,358 | $2,525 | $2,687 |
| Liberty Mutual | $3,786 | $4,062 | $4,313 |
| Nationwide | $2,018 | $2,140 | $2,262 |
| Progressive | $2,872 | $3,097 | $3,582 |
| State Farm | $2,397 | $2,590 | $2,745 |
| USAA | $2,158 | $2,313 | $2,471 |
What affects car insurance rates in Lacey, Washington?
What are the factors that affect car insurance rates in Lacey, WA? There are several reasons why Lacey car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lacey, Washington.
Car Theft in Lacey
High levels of vehicle theft can make car insurance more expensive. Lacey, WA car theft statistics from the FBI indicate 97 vehicle thefts a year.
Commute Time in Lacey
The more time you spend in your car the higher the risk of an accident. The average commute length in Lacey, WA is 26.4 minutes according to City-Data.
Compare Car Insurance Quotes in Lacey, WA
Ready to find affordable Lacey, Washington car insurance today? Enter your ZIP code for fast, free Lacey, WA car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
How can I compare car insurance rates in Lacey, WA?
To compare car insurance rates in Lacey, WA, you can follow these steps:
- Research insurance providers: Start by researching different insurance companies that offer coverage in Lacey, WA.
- Gather information: Collect relevant information about your vehicle, including its make, model, year, and mileage. Also, note down your driving history and any additional coverage needs.
- Obtain quotes: Request quotes from multiple insurance providers. You can do this by visiting their websites, calling their agents, or using online comparison tools.
- Compare coverage and premiums: Review the quotes and compare the coverage options and premiums offered by each provider. Pay attention to the deductibles, liability limits, and any additional benefits or discounts.
- Consider customer reviews and reputation: Research the reputation of the insurance companies you are considering. Read customer reviews to gauge their customer service quality and claims handling process.
- Make an informed decision: Based on your research, choose the insurance provider that offers the coverage you need at a competitive rate.
What factors can affect car insurance rates in Lacey, WA?
Several factors can influence car insurance rates in Lacey, WA. Some common factors include:
- Age and gender: Younger drivers, especially teenagers, often face higher rates, as do male drivers in certain age groups.
- Driving history: A history of accidents, traffic violations, or DUI convictions can result in higher premiums.
- Vehicle make and model: The type of vehicle you drive can affect insurance rates. Expensive cars or those with high theft rates may have higher premiums.
- Location: Insurance rates can vary based on where you live. Factors like crime rates, population density, and local accident statistics can impact premiums.
- Coverage limits and deductibles: The coverage limits and deductibles you choose for your policy can influence the cost of your insurance.
- Credit history: In some states, including Washington, credit history can be a factor in determining insurance rates.
- Annual mileage: The number of miles you drive each year can affect your rates. More mileage generally means a higher risk of accidents.
Are there any discounts available to lower car insurance rates in Lacey, WA?
Yes, insurance companies often offer various discounts that can help lower car insurance rates in Lacey, WA. Some common discounts include:
- Multi-policy discount: If you have multiple insurance policies, such as car and home insurance, with the same provider, you may qualify for a discount.
- Good driver discount: If you have a clean driving record with no accidents or traffic violations, you may be eligible for a good driver discount.
- Good student discount: Full-time students with good grades can often qualify for discounts.
- Safety features discount: Vehicles equipped with safety features like anti-lock brakes, airbags, and anti-theft devices may be eligible for discounts.
- Defensive driving course discount: Completing an approved defensive driving course can sometimes result in a discount.
- Low mileage discount: If you drive fewer miles than average, you may be eligible for a low mileage discount.
- Loyalty discount: Some insurance companies offer discounts to long-term customers who renew their policies. It’s important to ask insurance providers about available discounts to ensure you take advantage of any savings you may qualify for.
Are there any specific car insurance requirements in Lacey, WA?
Yes, like the rest of Washington state, Lacey has specific car insurance requirements. Drivers in Lacey must carry liability insurance with minimum coverage limits of 25/50/10, which means:
- $25,000 bodily injury liability coverage per person injured in an accident.
- $50,000 bodily injury liability coverage per accident for all persons injured.
- $10,000 property damage liability coverage per accident for any property damage caused. It’s important to note that these are minimum requirements, and drivers may choose to purchase additional coverage beyond these limits for added protection.
How can I find the best car insurance rates in Lacey, WA?
To find the best car insurance rates in Lacey, WA, consider following these tips:
- Shop around: Obtain quotes from multiple insurance providers to compare rates and coverage options.
- Assess coverage needs: Determine the coverage limits and types of coverage you require based on your specific circumstances.
- Review customer satisfaction: Research customer reviews and ratings for insurance companies to gauge their customer service and claims handling reputation.
- Consider discounts: Inquire about available discounts that could potentially lower your premiums.
- Evaluate deductibles: Assess how different deductible amounts can affect your premiums and out-of-pocket expenses.
- Seek professional advice: Consult with an independent insurance agent who can help you navigate the options and find the best rates for your needs. By conducting thorough research, comparing quotes, and considering various factors, you can increase your chances of finding the best car insurance rates in Lacey, WA.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.